Lite version

Cash gap forecast

Profit on paper still bounces a check if materials go out before the final payment comes in. This is a four-week sketch of that gap.

Each week adds that week’s deposits, then finals and materials on the timing you pick. Fixed costs leave every week. The headline is the lowest week-end balance, not the opening cash.

Numbers stay in this browser. This is shop math, not tax, legal, or lending advice.

Start from a trade

Starting cash ($)

Fixed costs per week ($)

Rent share, insurance, phones, the truck — the weekly slice of fixed overhead.

Expected jobs per week

Average job ticket ($)

Deposit collected up front (%)

Materials as % of the ticket

When you pay materials

When the final balance lands

Lowest week-end cash

$5,143

Which week: End of week 1

Holds above zero

More shop math

Change orderScope that shows up after you start needs its own number before anyone keeps working. This prices the extra. It does not write the customer text.
Weekly capacityA full calendar is not the same as a full week of paid hours. Drive time counts. This does not track which jobs are already booked.
Job quotePut in the hours, the drive, the materials, and what you want an hour to pay. The calculator returns a break-even price and a suggested quote with your profit goal.